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SAME SPENDING · TRANSPARENT MATHS

Emirates Skywards DIB Platinum vs FAB Etihad Guest Platinum

Compare the same AED 10,000 monthly benchmark with full repayment. Actual eligibility, category spending and the timing of welcome offers can change the outcome. This is an independent comparison; subjective perks are not assigned guaranteed cash value.

Emirates Skywards DIB Platinum Covered Card — official bank artwork

Emirates Skywards DIB Platinum Covered Card

Minimum salary
AED 10,000
Annual fee
AED 525
First-year net
AED -35.28
Ongoing annual net
AED -35.28
Bank FX fee
3.7%; scheme charges may apply
Reward programme
Emirates Skywards

No ongoing waiver verified.

Important conditions

Partial rewards model: Earn Emirates Skywards Miles on eligible purchases, with reduced rates for specified merchant categories and EEA spending. Merchant exclusions, caps and scheme conditions apply.

Published renewal fee used; unverified discretionary or relationship waivers are excluded.

No complimentary access verified.

No cinema offer verified.

Official DIB terms · reviewed 2026-10-22
FAB Etihad Guest Platinum Credit Card — official bank artwork

FAB Etihad Guest Platinum Credit Card

Minimum salary
AED 8,000
Annual fee
AED 525
First-year net
AED 1,040
Ongoing annual net
AED 540
Bank FX fee
Unverified
Reward programme
Etihad Guest

Important conditions

Verified ordinary miles rates. AED 0.05 per mile remains an illustrative editorial assumption, rather than guaranteed cash. Paid Miles Accelerator, Etihad-specific purchases, the discount voucher and the limited-time acquisition campaign are excluded. Eligible spending is limited to the approved credit limit; transaction rounding may reduce actual rewards.

Published renewal fee used; unverified discretionary or relationship waivers are excluded.

No complimentary access verified

Get four tickets per month at AED 20 each at Reel, Cine Royal and Star cinemas, subject to AED 3,000 monthly spending.

Official FAB terms · reviewed 2026-10-22

Which card fits your own spending?

A common benchmark makes the comparison reproducible, but it does not establish the best card for every household. Welcome eligibility, employer and bureau assessment, payment channel merchant codes, actual foreign spending and carried balances can all change the result.

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Review all assumptions and reward valuations

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